Below are the complete branch details for HDFC Bank, CHIRALA II branch, located in PRAKASAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0004990. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0004990 for HDFC Bank – CHIRALA II — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For HDFC Bank's CHIRALA II branch, the IFSC HDFC0004990 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 004990 identifies this particular branch.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chirala Ii branch — IFSC HDFC0004990 — extends the bank's services to customers in and around Prakasam, Andhra Pradesh.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Chirala Ii |
| IFSC Code | HDFC0004990 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR HOUSE NO 14 1 155 SURVEY NO 262 1 CHIRALA DIST PRAKASAM PRAKASAM ANDHRA PRADESH 523155 |
| City | Prakasam |
| District | Prakasam |
| State | Andhra Pradesh |
| STD Code | 1800 |
| Phone | 2026161 |
About the Chirala Ii branch
The Chirala Ii branch of HDFC Bank is situated at GRD FLOOR HOUSE NO 14 1 155 SURVEY NO 262 1 CHIRALA DIST PRAKASAM PRAKASAM ANDHRA PRADESH 523155. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0004990 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how HDFC Bank's CHIRALA II branch came to be assigned the code HDFC0004990.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC HDFC0004990, money simply cannot be routed to the CHIRALA II branch electronically.
Products and account variants supported
Every account opened at the Chirala Ii branch is mapped to IFSC HDFC0004990 on the RBI payments network. The branch generally supports the full retail product catalogue of HDFC Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains HDFC0004990.
Banking services available
The Chirala Ii branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2026161.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC HDFC0004990
How to transfer money using IFSC HDFC0004990
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC HDFC0004990 across all three.
How to use IFSC HDFC0004990 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's CHIRALA II branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0004990.
- Confirm the bank name auto-populates as HDFC Bank and the branch as CHIRALA II.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0004990
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to HDFC Bank – CHIRALA II, ensure your bank's portal accepts IFSC HDFC0004990 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank CHIRALA II (IFSC HDFC0004990)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004990 in your mobile or internet banking app, and the money is credited to the CHIRALA II branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004990 for HDFC Bank – CHIRALA II, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HDFC0004990 | Yes – HDFC0004990 | Yes – HDFC0004990 |
For most retail customers crediting the Chirala Ii branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC HDFC0004990
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at HDFC Bank – CHIRALA II is still mapped to IFSC HDFC0004990. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC HDFC0004990 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0004990
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the CHIRALA II branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC HDFC0004990 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR & cheque-truncation details
Cheques drawn on the Chirala Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004990 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0004990
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – CHIRALA II, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
HDFC0004990. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Chirala Ii branch sits at GRD FLOOR HOUSE NO 14 1 155 SURVEY NO 262 1 CHIRALA DIST PRAKASAM PRAKASAM ANDHRA PRADESH 523155. If you are travelling from outside Prakasam, search for the branch on a maps application using the bank name and locality, or call 1800-2026161 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HDFC0004990 and your account number.
Verifying IFSC HDFC0004990 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm HDFC0004990 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chirala Ii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0004990, however, work 24x7.
Branch address & contact
HDFC BankChirala Ii Branch
GRD FLOOR HOUSE NO 14 1 155 SURVEY NO 262 1 CHIRALA DIST PRAKASAM PRAKASAM ANDHRA PRADESH 523155
Prakasam, Andhra Pradesh
Phone: 1800-2026161
IFSC: HDFC0004990
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chirala Ii branch but serve different purposes.
Can I use IFSC HDFC0004990 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0004990 to send funds instantly.
How do I add HDFC Bank Chirala Ii as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004990, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Chirala Ii branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
How quickly will an NEFT transfer using HDFC0004990 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Chirala Ii reflect within 30 minutes.
Is IFSC HDFC0004990 valid for NEFT and RTGS?
Yes. IFSC HDFC0004990 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0004990 belongs to HDFC Bank's CHIRALA II branch, located at GRD FLOOR HOUSE NO 14 1 155 SURVEY NO 262 1 CHIRALA DIST PRAKASAM PRAKASAM… in PRAKASAM, ANDHRA PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
